Do you want to publish a course? Click here

"An Empirical Study on Credit Risk Management and the Return On Equity in Syrian Private Banks"

"دراسة تطبيقية على إدارة مخاطر الائتمان و العائد على حقوق الملكية في المصارف الخاصة السورية "

1619   1   47   0.0 ( 0 )
 Publication date 2018
  fields Business Management
and research's language is العربية
 Created by Shamra Editor




Ask ChatGPT about the research

Credit risk management is one of the important topics in the banking sector and it is considered As an essential and decisive and proactive factor to reduce losses and earn an acceptable level of return to its shareholders. The objective of research to study the impact of credit risk management on the rate of return on equity in private banks in Syria and the nature of this effect. To achieve the goal of the search a Convenience sample was selected from private banks in Syria for which financial reports and risk management reports were available. The search results showed There is no statistically significant relationship between credit risk management and rate of return on equity in private banks in Syria in that time period At a significant level of 5% . but there is a statistically significant relationship between credit risk management and return on equity if the hypothesis is tested at a significant level of 10%. The results also showed a statistically significant relationship between the rate of non-performing loans and the rate of return on equity , And The capital adequacy ratio negatively affects the rate of return on equity.


Artificial intelligence review:
Research summary
تتناول هذه الدراسة إدارة مخاطر الائتمان وتأثيرها على معدل العائد على حقوق الملكية في المصارف الخاصة السورية. تم اختيار عينة من ستة مصارف خاصة سورية للفترة من 2007 إلى 2011، وتم استخدام معدل كفاية رأس المال ونسبة القروض غير المنتجة كمؤشرين لإدارة مخاطر الائتمان. أظهرت النتائج عدم وجود علاقة ذات دلالة إحصائية بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية عند مستوى معنوية 5%، ولكن توجد علاقة عند مستوى معنوية 10%. كما أظهرت النتائج وجود علاقة سلبية بين معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، وعلاقة إيجابية بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية. توصلت الدراسة إلى أن إدارة مخاطر الائتمان تفسر 19% من التغير في معدل العائد على حقوق الملكية، وأوصت بضرورة تحقيق توازن بين رفع معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، ووضع معايير ائتمان سليمة، وعدم الاعتماد على الضمانات فقط في منح القروض.
Critical review
دراسة نقدية: على الرغم من أهمية الدراسة في تسليط الضوء على إدارة مخاطر الائتمان في المصارف الخاصة السورية، إلا أن هناك بعض النقاط التي يمكن تحسينها. أولاً، العينة المستخدمة صغيرة نسبياً ولا تشمل المصارف الإسلامية، مما قد يؤثر على تعميم النتائج. ثانياً، الفترة الزمنية المختارة قد لا تكون كافية لاستخلاص نتائج دقيقة حول تأثير إدارة مخاطر الائتمان على العائد على حقوق الملكية. ثالثاً، الدراسة اعتمدت على تقارير مالية قديمة نسبياً، مما قد يقلل من دقة النتائج في السياق الحالي. وأخيراً، كان من الأفضل تضمين تحليل نوعي إلى جانب التحليل الكمي لفهم أعمق للعوامل المؤثرة.
Questions related to the research
  1. ما هي العلاقة بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية في المصارف الخاصة السورية؟

    لا توجد علاقة ذات دلالة إحصائية بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية عند مستوى معنوية 5%، ولكن توجد علاقة عند مستوى معنوية 10%.

  2. ما هو تأثير معدل كفاية رأس المال على معدل العائد على حقوق الملكية؟

    معدل كفاية رأس المال يؤثر بشكل سلبي على معدل العائد على حقوق الملكية.

  3. هل هناك علاقة بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية؟

    نعم، هناك علاقة إيجابية بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية.

  4. ما هي التوصيات التي قدمتها الدراسة لتحسين إدارة مخاطر الائتمان في المصارف الخاصة السورية؟

    أوصت الدراسة بتحقيق توازن بين رفع معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، ووضع معايير ائتمان سليمة، وعدم الاعتماد على الضمانات فقط في منح القروض.


References used
Saunders, M, & Thornhill, A, & Lewis, P. Research Methods for Business Students,5th edition, Pearson Education, New York,2009
Hosna, A, Manzura, B, & Juanjuan, S. Credit Risk Management and Profitability in Commercial Banks in Sweden. UNIVERSITY OF GOTHENBURG, Master theses,2009
Zou, Y, & Li, F. The Impact of Credit Risk Management on Profitability of Commercial Banks : A Study of Europe.UMEA University, 2014
rate research

Read More

Liquidity is considered to be one of the most important subject in the banking sector because it’s the key to maintain a secure financial position and it’s the main mean to gain the customer and depositor trust, and meet any obligation that might c ome up. In this paper we study effect of the liquidity and risk on the Syrian private bank’s profitability and the nature of this effect, to achieve this object we choose ten financial ratios for a sample of ten commercial banks between 2008 – 2014. The data have been basically collected from the financial statements of the studied banks. To analyze the research data we use one of the Panel Data Models which is the Fixed Effects Model. The data have been analyzed by using EViews 7. We conclude that the liquidity ratio have a significant negative effect on the bank’s profitability. liquidity risk have a significant positive effect on the profitability ratio .
The research aims to analyse the key issue relating to the management of credit risk in Islamic Banks through the analysis of risk management in the Islamic Bank, the types and formats of Islamic finance risks, the methods used to address those risks and challenges faced by Islamic banks. The problem with the research terms seems that credit activity is one of the most single important key functions offered by the banks, one of the activities profitable and most dangerous, where credit risk arises as a result of the inability of the debtors to meet their obligations in the dates of maturity, and the consequent loss incurred by the bank, and therefore. It is based on the premise of basic research related to the analysis of credit risk management in Islamic banks, to maintain low levels of credit risk. The study concludes that the risk of Islamic modes of financing in the forefront of the risks faced by Islamic banks, so that the activation of the role of risk management in Islamic banks to enable them to understand and identify, measure and address the various risks, and minimize possible.
This research aims to investigate the impact of macroeconomic variables on credit risks in the private commercial banks operating in Syria. Considering 10 commercial banks during 2009-2015, we study and analyze a number of macroeconomic variables pr oposed by the associated economic literature, and it seems that these variables have an important effect on credit risk. Preliminary tests are applied to test for the Stationarity of the selected variables. Besides, a (co-integrating) long-term relationship between the explanatory variables and the dependent variable is investigated using an ARDL model. A Fixed Effect panel model is fitted to assess the potential effects of the considered macro-variables on credits risks. It seems that macroeconomics variables have a significant role in explaining the changes in quality loans portfolio, which causes an increasing in the nonperforming loans in Syrian commercial banks. In effect, it results that there is a negative and statistically significant effect of both economic growth and inflation rate on credit risk, whereas, there is a positive and statistically significant effect of both real interest rate and real effective exchange rate on credit risk
This study aims at exploring the effect of E-customer relationship management ECRM marketing tactics (preferential treatment, tangible rewards, interpersonal communication, E-direct mail) on both customer trust and commitment of Syrian private ban ks in Syrian coastal area. The sample of this study withdrew randomly from the population of the study. The data collected through pre-designed questionnaire which was directed to those customers, and there were 324 valid questionnaires. The results of this study show that there is a positive relationship between E-CRM and customer trust, and there is a positive relationship between E-CRM and customer commitment, and also there is a positive direct impact of customers trust on their commitment. Finally this study recommends Syrian private banks to adapt E-CRM, and try to build a strong electronic relationships with their customers in a long term, which enhance their trust and commitment.
comments
Fetching comments Fetching comments
Sign in to be able to follow your search criteria
mircosoft-partner

هل ترغب بارسال اشعارات عن اخر التحديثات في شمرا-اكاديميا